The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$31,926
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,919
−HK$1,009/mo
Today · 4.125%
HK$33,928
baseline
▲ 0.50% · 4.625%
HK$35,993
+HK$2,065/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$67,856/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,517
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,470
−HK$966/mo
Today · 4.125%
HK$37,436
baseline
▲ 0.50% · 4.625%
HK$39,410
+HK$1,974/mo
Deposit HK$7.00M · loan HK$7.00M · min. income ≈ HK$74,872/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$525,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,311
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$39,503
−HK$1,211/mo
Today · 4.125%
HK$40,714
baseline
▲ 0.50% · 4.625%
HK$43,191
+HK$2,477/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$81,428/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,621
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$43,764
−HK$1,160/mo
Today · 4.125%
HK$44,924
baseline
▲ 0.50% · 4.625%
HK$47,292
+HK$2,368/mo
Deposit HK$5.60M · loan HK$8.40M · min. income ≈ HK$89,848/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$525,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,697
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,087
−HK$1,412/mo
Today · 4.125%
HK$47,499
baseline
▲ 0.50% · 4.625%
HK$50,390
+HK$2,891/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$94,998/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,724
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,058
−HK$1,353/mo
Today · 4.125%
HK$52,411
baseline
▲ 0.50% · 4.625%
HK$55,174
+HK$2,763/mo
Deposit HK$4.20M · loan HK$9.80M · min. income ≈ HK$104,822/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$525,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,467
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,255
−HK$1,816/mo
Today · 4.125%
HK$61,071
baseline
▲ 0.50% · 4.625%
HK$64,787
+HK$3,716/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$122,142/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,931
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,646
−HK$1,739/mo
Today · 4.125%
HK$67,385
baseline
▲ 0.50% · 4.625%
HK$70,937
+HK$3,552/mo
Deposit HK$1.40M · loan HK$12.60M · min. income ≈ HK$134,770/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$525,042 · Scale 2, in force from 26 Feb 2026)